AI-driven weekly micro-insurance that automatically protects India's delivery workforce against income loss from weather, social disruptions & platform volatility.
If they cannot work → income = ₹0
Over 65% of surveyed workers cannot sustain basic living expenses if work is disrupted for more than 7 days. No formal safety net exists.
Three layers of disruption that directly impact gig worker earnings, each with measurable parameters for parametric triggers.
| Disruption | Example | Parameter | Impact | Severity |
|---|---|---|---|---|
| Extreme Heat | 42°C+ heatwave | Temperature, Heat Index | Reduced working hours → ↓ deliveries | Critical |
| Heavy Rain | Monsoon bursts | Rainfall (mm/hr) | Order cancellations + slower delivery | High |
| Floods | Urban flooding | Govt alerts / rainfall threshold | Zero deliveries in affected zone | Critical |
| Pollution | AQI > 300 | AQI API | Health discomfort → reduced shifts | Medium |
| Disruption | Example | Parameter | Impact | Severity |
|---|---|---|---|---|
| Curfew | Govt restriction | Zone lockdown flag | 100% income loss | Critical |
| Strikes | Transport strike | Mobility index drop | Partial/zero delivery | High |
| Zone Closure | Political rally | Geo-fenced restriction | No pickup/drop | High |
| Disruption | Example | Parameter | Impact | Severity |
|---|---|---|---|---|
| Demand Crash | Low orders | Orders/hour ↓ 40% | Lower earnings | Medium |
| App Downtime | Server crash | API failure logs | No orders | High |
| Supply Chain | Restaurant shutdown | Active restaurants ↓ | Earnings drop up to 50% | Medium |
Click any model to see detailed breakdown and trigger conditions.
Minimum weekly income (₹2,500) if active hours met. Disruption hours count as worked.
5% of weekly earnings → Resilience Pool (+ platform match). Automatic parametric payout.
1.5× base pay during Hazard Days when heat/rain thresholds are crossed.
Fixed weekly schedule → guaranteed income floor. Curfew/lockdown → 70% payout.
Adjust parameters to see how the AI dynamically prices weekly insurance premiums based on risk + income patterns.
Premium = Base + (Risk Score × Coverage × Income Variability)
When real-time data crosses predefined thresholds, payouts are triggered automatically — no claims needed.